{"id":15345,"date":"2026-06-15T17:25:00","date_gmt":"2026-06-15T08:25:00","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=15345"},"modified":"2026-06-15T20:49:43","modified_gmt":"2026-06-15T11:49:43","slug":"%ed%81%b4%eb%a1%9c%ec%a7%95-%ec%bd%94%ec%8a%a4%ed%8a%b8%eb%8a%94-%ec%96%bc%eb%a7%88%eb%82%98-%eb%93%a4%ea%b9%8c-2026%eb%85%84-%eb%af%b8%ea%b5%ad-%ed%8f%89%ea%b7%a0-%eb%b9%84%ec%9a%a9-%eb%b0%8f","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/15345\/","title":{"rendered":"\ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\ub294 \uc5bc\ub9c8\ub098 \ub4e4\uae4c? : 2026\ub144 \ubbf8\uad6d \ud3c9\uade0 \ube44\uc6a9 \ubc0f \uc218\uc218\ub8cc"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\" style=\"font-size:16px\">&#8216;\ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8&#8217;, \uc9c1\uc811 \ud655\uc778\ud574 \ubcf4\uc168\ub098\uc694? <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubcf4\ud1b5 \ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\ub294 \uc8fc\ud0dd \uad6c\ub9e4 \uac00\uaca9 \ub610\ub294 \ub300\ucd9c \uae08\uc561\uc758 2% ~ 5% \uc0ac\uc774\uc5d0\uc11c \uacb0\uc815\ub429\ub2c8\ub2e4. \ucd5c\uc885 \uae08\uc561\uc740 \uad6c\ub9e4 \uc9c0\uc5ed, \ub300\ucd9c \uc720\ud615, \uc138\uae08, \ubcf4\ud5d8, \uadf8\ub9ac\uace0 \ubc14\uc774\uc5b4\uc758 \uc2e0\uc6a9 \uc810\uc218\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\uc9c0\ub9cc, \uacbd\uc6b0\uc5d0 \ub530\ub77c\uc11c\ub294 \uc774 \ube44\uc6a9\uc744 \ubc14\uc774\uc5b4\uac00 \uc9c1\uc811 \uc804\ubd80 \ubd80\ub2f4\ud558\uc9c0 \uc54a\uc544\ub3c4 \ub418\ub294 \ubc29\ubc95\uc774 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc624\ub298\uc740 \uc8fc\ud0dd \uad6c\ub9e4 \uc2dc \ubc1c\uc0dd\ud558\ub294 \uad6c\uccb4\uc801\uc778 \ube44\uc6a9 \ud56d\ubaa9\ub4e4\uacfc \uc9c0\ubd88 \uae08\uc561, \uadf8\ub9ac\uace0 \uc774 \ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\ub97c \ud604\uba85\ud558\uac8c \uc904\uc774\ub294 \ubc29\ubc95\uae4c\uc9c0 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div class=\"loaning-key-takeaways\">\n  <h2>\ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8 : Key Takeaways<\/h2>\n  <ul>\n    <li>\n      \ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\ub294 \ud648\ubc14\uc789 \uc5ec\uc815\uc758 \ud6c4\ubc18\ubd80\uc5d0 \uc9c0\ubd88\ud558\ub294 \ube44\uc6a9\uc774\uba70, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640\ub294 \ubcc4\ub3c4\ub85c \uc900\ube44\ud574\uc57c \ud569\ub2c8\ub2e4.\n    <\/li>\n    <li>\n      \uc815\ud655\ud55c \uae08\uc561\uc740 Loan Estimate\uc640 Closing Disclosure\uc5d0 \ud45c\uc2dc\ub41c \uae08\uc561\uc744 \ud655\uc778\ud574 \ubcf4\uc138\uc694.\n    <\/li>\n    <li>\n      \uc77c\ubd80 \ube44\uc6a9\uc740 lender credit, seller credit, \uc9c0\uc6d0 \ud504\ub85c\uadf8\ub7a8 \ub610\ub294 \ucd08\uae30 \ub80c\ub354 \ube44\uad50\ub97c \ud1b5\ud574 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n    <\/li>\n  <\/ul>\n<\/div>\n\n<style>\n.loaning-key-takeaways {\n  background: #eef6ff;\n  border-radius: 10px;\n  padding: 22px 24px;\n  margin: 28px 0;\n  color: #374151;\n  font-family: inherit;\n}\n\n.loaning-key-takeaways h2 {\n  margin: 0 0 14px;\n  font-size: 20px;\n  line-height: 1.35;\n  font-weight: 700;\n  color: #1f2937;\n}\n\n.loaning-key-takeaways ul {\n  list-style: none;\n  padding: 0;\n  margin: 0;\n}\n\n.loaning-key-takeaways li {\n  position: relative;\n  padding-left: 24px;\n  margin-bottom: 12px;\n  font-size: 16px;\n  line-height: 1.55;\n}\n\n.loaning-key-takeaways li:last-child {\n  margin-bottom: 0;\n}\n\n.loaning-key-takeaways li::before {\n  content: \"\u2713\";\n  position: absolute;\n  left: 0;\n  top: 5px;\n  width: 14px;\n  height: 14px;\n  border-radius: 50%;\n  background-color: #0073cf;\n  color: #ffffff;\n  font-size: 9px;\n  font-weight: 700;\n  line-height: 14px;\n  text-align: center;\n}\n\n@media (max-width: 768px) {\n  .loaning-key-takeaways {\n    padding: 18px 16px;\n    margin: 24px 0;\n    border-radius: 8px;\n  }\n\n  .loaning-key-takeaways h2 {\n    font-size: 18px;\n    margin-bottom: 12px;\n  }\n\n  .loaning-key-takeaways li {\n    font-size: 15px;\n    line-height: 1.55;\n    padding-left: 22px;\n    margin-bottom: 10px;\n  }\n\n  .loaning-key-takeaways li::before {\n    top: 5px;\n    width: 13px;\n    height: 13px;\n    font-size: 8px;\n    line-height: 13px;\n  }\n}\n<\/style>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\ud074\ub85c\uc9d5-\ucf54\uc2a4\ud2b8\ub97c-\uace0\ub824\ud574\uc57c-\ud558\ub294-\uc774\uc720\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\ub97c \uace0\ub824\ud574\uc57c \ud558\ub294 \uc774\uc720<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ucc98\uc74c \uc9d1\uc744 \uad6c\ub9e4\ud558\ub294 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc740 \ucd08\uae30 &#8216;\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8(\uacc4\uc57d\uae08)&#8217;\ubd80\ud130 \ub9c8\ub828\ud558\ub294 \ub370 \uc9d1\uc911\ud558\uace4 \ud574\uc694. <br>\ub9cc\uc57d \uc8fc\ud0dd \uad6c\ub9e4 \ucd08\uae30\uc5d0 \uc774 \ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\ub97c \uc608\uc0b0\uc5d0 \ub123\uc5b4\ub450\uc9c0 \uc54a\uc73c\uba74, \ub9c9\ud310\uc5d0 \uc794\uae08\uc744 \uce58\ub97c \ud604\uae08\uc774 \ubd80\uc871\ud574 \uc815\ub9d0 \uace4\ub780\ud55c \uc0c1\ud669\uc5d0 \ucc98\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\ud074\ub85c\uc9d5-\ucf54\uc2a4\ud2b8-\uc8fc\ud0dd-\uad6c\ub9e4-\uc2dc-\ubc1c\uc0dd\ud558\ub294-\ud3c9\uade0-\ube44\uc6a9\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8<\/strong> : <strong>\uc8fc\ud0dd \uad6c\ub9e4 \uc2dc \ubc1c\uc0dd\ud558\ub294 \ud3c9\uade0 \ube44\uc6a9<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Loaning.ai\ub294 \ub300\ucd9c \uae08\uc561\uc758 \uc57d 2%\uc5d0\uc11c 5%\ub97c \ubbf8\ub9ac \uc900\ube44\ud574 \ub450\uc2dc\ub77c\uace0 \uad8c\ud574 \ub4dc\ub9ac\uace4 \ud569\ub2c8\ub2e4. <br>\uc608\ub97c \ub4e4\uc5b4, 50\ub9cc \ub2ec\ub7ec\uc9dc\ub9ac \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud560 \ub54c, \uc138\uc561 \uacf5\uc81c\ub098 \uc815\ubd80 \uc9c0\uc6d0\uc744 \ubc1b\uae30 \uc804\uc774\ub77c\uba74 \ub300\ub7b5 <strong>1\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 2\ub9cc 5\ucc9c \ub2ec\ub7ec \ub0b4\uc678<\/strong>\uc758 \ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. (\u203b \uc2e4\uc81c \uae08\uc561\uc740 \ubd80\ub3d9\uc0b0 \uc704\uce58, \ub300\ucd9c \uaddc\ubaa8 \ubc0f \uc720\ud615, \uac70\ub798 \uad6c\uc870\uc5d0 \ub530\ub77c \ub354 \ub0ae\uc544\uc9c0\uac70\ub098 \ub192\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.)<\/p>\n\n\n\n<div style=\"background:#FFF8DB;; padding:16px; border-radius:12px; margin:16px 0;\">\n  <p style=\"margin:0; font-size:13px; line-height:1.6;\">\n    \ud83d\udca1 <strong>Tip:<\/strong> <br>\n\uc591\ub3c4\uc138, \uc18c\uc720\uad8c \uc774\uc804 \uc218\uc218\ub8cc, \uc5d0\uc2a4\ud06c\ub85c \uc608\uce58\uae08 \ubc0f \uc120\ub0a9 \ubcf4\ud5d8\ub8cc\ub294 \uc8fc \ubc0f \uce74\uc6b4\ud2f0\uc5d0 \ub530\ub77c \ud06c\uac8c \ub2e4\ub97c \uc218 \uc788\uc5b4\uc694. <br>\n\uc77c\ubd80 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc9c0\ubc29\uc138\ub098 \uc8fc\ud0dd \uc18c\uc720\uc790 \ud611\ud68c(HOA) \uad00\ub828 \ud56d\ubaa9\uc73c\ub85c \uc778\ud574 \ucd1d\uc561\uc774 \ub354 \ub192\uc544\uc9c0\uac70\ub098, \ubc18\ub300\ub85c \uc140\ub7ec \ub610\ub294 \ub80c\ub354 \ud06c\ub808\ub527\uc73c\ub85c \uc778\ud574 \uc2e4\uc81c\ub85c \ubd80\ub2f4\ud574\uc57c \ud558\ub294 \uae08\uc561\uc774 \uc904\uc5b4\ub4e4 \uc218\ub3c4 \uc788\uc8e0.\n  <\/p>\n<\/div>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\ub300\ucd9c-\uae08\uc561\ubcc4-\ud074\ub85c\uc9d5-\ucf54\uc2a4\ud2b8-\ube44\uc728\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\ub300\ucd9c \uae08\uc561\ubcc4 \ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8<\/strong> <strong>\ube44\uc728<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub7ec\ud55c \ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\ub294, \ub300\ucd9c \uaddc\ubaa8\uac00 \ucee4\uc9c8\uc218\ub85d \uc804\uccb4 \ub300\ucd9c \uae08\uc561\uc5d0\uc11c \ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\uac00 \ucc28\uc9c0\ud558\ub294 &#8216;\ube44\uc728(%)&#8217;\uc740 \ub0ae\uc544\uc9c0\ub294 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4. <br>(Fannie Mae \ub370\uc774\ud130 \uae30\ubc18 \uacc4\uc0b0 \uc218\uce58)<\/p>\n\n\n\n<div style=\"width: 100%; margin: 24px 0 18px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 55%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \ub300\ucd9c\uae08\uc561\n        <\/th>\n        <th style=\"width: 45%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \ub300\ucd9c \uae08\uc561\uc758 \uc77c\ubc18\uc801\uc778 \ube44\uc728\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          10\ub9cc \ub2ec\ub7ec \ubbf8\ub9cc\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          4.6%\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          20\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 30\ub9cc \ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          2.1%\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          40\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 50\ub9cc \ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          1.6%\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          60\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 70\ub9cc \ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          1.4%\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"margin: 0 0 28px; color: #6b7280; font-size: 12px; line-height: 1.65; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  \ucc38\uace0: \ubc31\ubd84\uc728\uc740 LendingTree\uc5d0\uc11c \uc778\uc6a9\ud55c Fannie Mae \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c Urban Institute\uc5d0\uc11c \uacc4\uc0b0\ud55c \uac83\uc785\ub2c8\ub2e4. \ud574\ub2f9 \uc218\uce58\ub294 \ub300\ucd9c \uae08\uc561\ubcc4 \uc804\uad6d \ud3c9\uade0\uc744 \ub098\ud0c0\ub0b4\uba70 \ucc38\uace0 \uc790\ub8cc\ub85c\ub9cc \uc0ac\uc6a9\ud574\uc57c \ud558\uba70, \ud655\uc815 \uacac\uc801\uc73c\ub85c \uac04\uc8fc\ud574\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4. \uc2e4\uc81c \ub9c8\uac10 \ube44\uc6a9\uc740 \uc9c0\uc5ed, \ub300\ucd9c \uae30\uad00, \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8, \ub4f1\uae30 \ubc0f \uc5d0\uc2a4\ud06c\ub85c \uc218\uc218\ub8cc, \uc138\uae08, \ubcf4\ud5d8, \ud06c\ub808\ub527 \ubc0f \ucd5c\uc885 Loan Estimate\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\n\n<div class=\"loaning-rate-box\">\n  <h2>Compare mortgage rates from top lenders in minutes<\/h2>\n\n  <div class=\"loaning-rate-form\">\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=2026_closing_costs&#038;utm_content=2026_closing_costs_check_my_rate\">\n      <span>\ub300\ucd9c \ubaa9\uc801<\/span>\n      <strong>\uc8fc\ud0dd \uad6c\ub9e4<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=2026_closing_costs&#038;utm_content=2026_closing_costs_check_my_rate\">\n      <span>\ub300\ucd9c \uae30\uac04<\/span>\n      <strong>30\ub144 \uace0\uc815<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=2026_closing_costs&#038;utm_content=2026_closing_costs_check_my_rate\">\n      <span>\ub3c4\uc2dc<\/span>\n      <strong>\ub3c4\uc2dc \uc785\ub825<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=2026_closing_costs&#038;utm_content=2026_closing_costs_check_my_rate\">\n      Compare\n    <\/a>\n  <\/div>\n\n  <p class=\"loaning-rate-note\">No impact to your credit score<\/p>\n<\/div>\n\n<style>\n.loaning-rate-box,\n.loaning-rate-box * {\n  box-sizing: border-box;\n}\n\n.loaning-rate-box {\n  width: 100%;\n  max-width: 960px;\n  margin: 28px auto;\n  padding: 24px 26px 22px;\n  border: 1px solid #e5e7eb;\n  border-radius: 10px;\n  background: #ffffff;\n  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.12);\n  font-family: inherit;\n  color: #111827;\n  overflow: hidden;\n}\n\n.loaning-rate-box h2 {\n  margin: 0 0 20px;\n  text-align: center;\n  font-size: 23px;\n  line-height: 1.25;\n  font-weight: 800;\n  color: #111827;\n  white-space: nowrap;\n  letter-spacing: -0.02em;\n}\n\n.loaning-rate-form {\n  display: grid;\n  grid-template-columns: minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(170px, 1.15fr);\n  gap: 14px;\n  align-items: stretch;\n  width: 100%;\n}\n\n.loaning-rate-field {\n  display: block;\n  min-height: 58px;\n  padding: 10px 12px;\n  border: 1px solid #9ca3af;\n  border-radius: 5px;\n  background: #ffffff;\n  color: #111827 !important;\n  text-decoration: none !important;\n  transition: border-color 0.2s ease, box-shadow 0.2s ease;\n  overflow: hidden;\n}\n\n.loaning-rate-field:hover {\n  border-color: #0073cf;\n  box-shadow: 0 0 0 2px rgba(0, 115, 207, 0.12);\n}\n\n.loaning-rate-field span {\n  display: block;\n  margin-bottom: 3px;\n  font-size: 11px;\n  line-height: 1.2;\n  color: #6b7280;\n  white-space: nowrap;\n}\n\n.loaning-rate-field strong {\n  display: block;\n  font-size: 14px;\n  line-height: 1.25;\n  font-weight: 700;\n  color: #374151;\n}\n\n.loaning-rate-button {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 58px;\n  padding: 0 28px;\n  border-radius: 999px;\n  background: #0073cf;\n  color: #ffffff !important;\n  text-decoration: none !important;\n  font-size: 16px;\n  line-height: 1.2;\n  font-weight: 800;\n  white-space: nowrap;\n  transition: background-color 0.2s ease, transform 0.2s ease;\n}\n\n.loaning-rate-button:hover {\n  background: #005fa8;\n  color: #ffffff !important;\n  transform: translateY(-1px);\n}\n\n.loaning-rate-note {\n  margin: 6px 0 0;\n  text-align: center;\n  font-size: 13px;\n  line-height: 1.4;\n  color: #374151;\n}\n\n.loaning-rate-note::before {\n  content: \"\u25a3\";\n  display: inline-block;\n  margin-right: 6px;\n  font-size: 10px;\n  color: #111827;\n  vertical-align: 1px;\n}\n\n@media (max-width: 900px) {\n  .loaning-rate-box h2 {\n    font-size: 21px;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr 1fr;\n  }\n\n  .loaning-rate-button {\n    grid-column: span 2;\n  }\n}\n\n@media (max-width: 600px) {\n  .loaning-rate-box {\n    padding: 20px 16px;\n    margin: 24px 0;\n  }\n\n  .loaning-rate-box h2 {\n    font-size: 20px;\n    text-align: left;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr;\n    gap: 10px;\n  }\n\n  .loaning-rate-field {\n    min-height: 52px;\n  }\n\n  .loaning-rate-button {\n    grid-column: auto;\n    width: 100%;\n    min-height: 50px;\n  }\n\n  .loaning-rate-note {\n    font-size: 13px;\n    margin-top: 10px;\n  }\n}\n<\/style>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\uce98\ub9ac\ud3ec\ub2c8\uc544-\uc5b4\ubc14\uc778-irvine-100\ub9cc-\ub2ec\ub7ec-\uc8fc\ud0dd-\uad6c\ub9e4-\uc2dc\ubbac\ub808\uc774\uc158\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong><strong>\uce98\ub9ac\ud3ec\ub2c8\uc544 \uc5b4\ubc14\uc778(Irvine) 100\ub9cc \ub2ec\ub7ec \uc8fc\ud0dd \uad6c\ub9e4 \uc2dc\ubbac\ub808\uc774\uc158<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc544\uc9c1 \ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8 \uac1c\ub150\uc774 \uc870\uae08 \ubaa8\ud638\ud558\uac8c \ub290\uaef4\uc9c0\uc2e0\ub2e4\uba74 \uad6c\uccb4\uc801\uc778 \uac00\uc0c1 \uc0ac\ub840\ub97c \ud1b5\ud574 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uce98\ub9ac\ud3ec\ub2c8\uc544 Irvine\uc5d0 \uc788\ub294 100\ub9cc \ub2ec\ub7ec\uc9dc\ub9ac \uc8fc\ud0dd\uc744 30%\uc758 \uacc4\uc57d\uae08\uacfc 30\ub144 \uace0\uc815\uae08\ub9ac \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\ub85c \uad6c\ub9e4\ud558\ub824\ub294 \ubc14\uc774\uc5b4\uc758 \uc0c1\ud669\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fannie Mae\uc758 \ub370\uc774\ud130\uc5d0 \ub530\ub978 \ucd94\uc815\uce58 1.4%\ub97c \uc0ac\uc6a9\ud588\uc744 \ub54c, 70\ub9cc \ub2ec\ub7ec \ub300\ucd9c\uc5d0 \uc801\uc6a9\ud558\uba74 \uc608\uc0c1 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc740 \uc57d 9,800\ub2ec\ub7ec\ub85c \uacc4\uc0b0\ud574 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. (\ud074\ub85c\uc9d5 \ube44\uc6a9\uc740 \uacc4\uc57d\uae08 \uc678\uc5d0 \ucd94\uac00\ub85c \uc9c0\ubd88\ub418\ub294 \ube44\uc6a9\uc785\ub2c8\ub2e4.)<\/p>\n\n\n\n<p class=\"has-cyan-bluish-gray-color has-text-color has-link-color has-small-font-size wp-elements-1d7fbb774fa90ca9c3da842eafda8ef4 wp-block-paragraph\" id=\"h-\">(\ucd5c\uc885 \uae08\uc561\uc740 \ub300\ucd9c \uae30\uad00 \uc218\uc218\ub8cc, \ub4f1\uae30 \ubc0f \uc5d0\uc2a4\ud06c\ub85c \ube44\uc6a9, \uc138\uae08, \ubcf4\ud5d8, \uc138\uc561 \uacf5\uc81c, \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8 \ubc0f \uad6c\ub9e4\uc790\uc758 \ucd5c\uc885 \ub300\ucd9c \uacac\uc801\uc5d0 \ub530\ub77c \ubcc0\uacbd\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.)<\/p>\n\n\n\n<div style=\"width: 100%; margin: 24px 0 18px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 38%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc794\uae08 \uc9c0\uae09 \uc2dc \ud604\uae08 \ud544\uc694\n        <\/th>\n        <th style=\"width: 32%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uacc4\uc0b0\n        <\/th>\n        <th style=\"width: 30%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc608\uc0c1 \uae08\uc561\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc5b4\ubc14\uc778 \uc608\uc2dc \uc8fc\ud0dd \uac00\uaca9\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          \uc608\uc2dc \uad6c\ub9e4 \uac00\uaca9\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          100\ub9cc \ub2ec\ub7ec\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uacc4\uc57d\uae08\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          1,000,000\ub2ec\ub7ec \u00d7 30%\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          30\ub9cc \ub2ec\ub7ec\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc608\uc0c1 \ub300\ucd9c \uae08\uc561\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          100\ub9cc \ub2ec\ub7ec \u2212 30\ub9cc \ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          70\ub9cc \ub2ec\ub7ec\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc608\uc0c1 \ub9c8\uac10 \ube44\uc6a9\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          70\ub9cc \ub2ec\ub7ec \u00d7 1.4%\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          9,800\ub2ec\ub7ec\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc2e0\uc6a9 \ucc28\uac10 \uc804 \uc608\uc0c1 \ud604\uae08 \uc9c0\uae09\uc561\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          \uacc4\uc57d\uae08 + \uc608\uc0c1 \uac70\ub798 \ube44\uc6a9\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          309,800\ub2ec\ub7ec\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"margin: 0 0 28px; color: #6b7280; font-size: 12px; line-height: 1.65; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  \ucc38\uace0: \uc774 \uc608\uc2dc\ub294 Urban Institute\uc5d0\uc11c \uc81c\uc2dc\ud55c \uc57d 679,000\ub2ec\ub7ec \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc5d0 \ub300\ud55c \ud3c9\uade0 \ub9c8\uac10 \ube44\uc6a9 \ube44\uc728 1.4%\ub97c \uc801\uc6a9\ud55c \uac83\uc785\ub2c8\ub2e4. \uc774\ub294 700,000\ub2ec\ub7ec \ub300\ucd9c \uae08\uc561\uc5d0 \ub300\ud55c \uacc4\ud68d \ucd94\uc815\uce58\ub85c \uc0ac\uc6a9\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \ub9c8\uac10 \ube44\uc6a9\uc740 \uc9c0\uc5ed, \ub300\ucd9c \uae30\uad00 \uc218\uc218\ub8cc, \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8, \ub4f1\uae30 \ubc0f \uc5d0\uc2a4\ud06c\ub85c \uc218\uc218\ub8cc, \uc7ac\uc0b0\uc138, \ubcf4\ud5d8\ub8cc, \ud06c\ub808\ub527 \ubc0f \ucd5c\uc885 Loan Estimate\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-step-1-\ub300\ucd9c-\ucde8\uae09-\uc218\uc218\ub8cc-origination-fees\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Step 1 : <strong>\ub300\ucd9c \ucde8\uae09 \uc218\uc218\ub8cc (Origination Fees)<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub294 \ub300\ucd9c \ucc98\ub9ac, \uc2ec\uc0ac \ubc0f \uc900\ube44\uc640 \uad00\ub828\ub41c \ubaa8\uae30\uc9c0 \uc218\uc218\ub8cc\uc785\ub2c8\ub2e4. <br>\uc5b4\ubc14\uc778 \uc0ac\ub840\uc5d0\uc11c \uc608\uc0c1 \ub300\ucd9c \uae08\uc561\uc740 70\ub9cc \ub2ec\ub7ec\uc774\ubbc0\ub85c, \ud574\ub2f9 \ub300\ucd9c \uae08\uc561\uc744 \uae30\uc900\uc73c\ub85c \ubc31\ubd84\uc728 \uae30\ubc18\uc758 \ub300\ucd9c \ucde8\uae09 \ube44\uc6a9\uc744 \ucd94\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"width: 100%; margin: 24px 0 18px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 28%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc694\uae08\n        <\/th>\n        <th style=\"width: 34%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc77c\ubc18\uc801\uc778 \ube44\uc6a9\n        <\/th>\n        <th style=\"width: 38%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc6a9\ub3c4\ub294 \ubb34\uc5c7\uc778\uac00\uc694?\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \ubb36\uc74c \ub300\ucd9c \ube44\uc6a9\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          \ub300\ucd9c \uc794\uc561\uc758 0.5%~1%<br>\n          <span style=\"display: inline-block; margin-top: 6px; color: #0073cf; font-weight: 800;\">\n            \uc5b4\ubc14\uc778 \uc0ac\ub840: 3,500\ub2ec\ub7ec ~ 7,000\ub2ec\ub7ec\n          <\/span>\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c\uc758 \uc2ec\uc0ac, \ucc98\ub9ac \ubc0f \uc900\ube44 \uacfc\uc815\uc744 \ub2e4\ub8f9\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc2e0\uccad \uc218\uc218\ub8cc\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          80\ub2ec\ub7ec<br>\n          <span style=\"display: inline-block; margin-top: 6px; color: #0073cf; font-weight: 800;\">\n            \uc5b4\ubc14\uc778 \uc0ac\ub840: 80\ub2ec\ub7ec\n          <\/span>\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \ub300\ucd9c \uae30\uad00\uc5d0 \ub530\ub77c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc2e0\uccad \ucc98\ub9ac \ube44\uc6a9\uc774 \ud3ec\ud568\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"margin: 0 0 28px; color: #6b7280; font-size: 12px; line-height: 1.65; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  \ucc38\uace0: \uc77c\ubc18\uc801\uc778 \ub300\ucd9c \uc218\uc218\ub8cc \ub370\uc774\ud130\ub294 LendingTree\uc5d0\uc11c \uc778\uc6a9\ud55c Fannie Mae \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c Urban Institute\uc5d0\uc11c \uacc4\uc0b0\ud55c \uac83\uc785\ub2c8\ub2e4. \uc5b4\ubc14\uc778 \uc0ac\ub840\ub294 700,000\ub2ec\ub7ec \ub300\ucd9c \uae08\uc561\uc5d0 0.5%~1%\uc758 \ub300\ucd9c \uc218\uc218\ub8cc \ubc94\uc704\ub97c \uc801\uc6a9\ud55c \uac83\uc73c\ub85c, \uc774\ub294 3,500\ub2ec\ub7ec~7,000\ub2ec\ub7ec\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4. \uc2e4\uc81c \ub300\ucd9c \uae30\uad00 \uc218\uc218\ub8cc\ub294 \ub300\ucd9c \uae30\uad00, \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8, \ud06c\ub808\ub527, \ud560\uc778 \ud3ec\uc778\ud2b8 \ubc0f \ucd5c\uc885 Loan Estimate\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-step-2-\uc815\uc0b0-\ubc0f-\ub4f1\uae30-\uc218\uc218\ub8cc-settlement-and-title-fees\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Step 2 : <strong>\uc815\uc0b0 \ubc0f \ub4f1\uae30 \uc218\uc218\ub8cc (Settlement and Title Fees)<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ubd80\ub3d9\uc0b0\uc758 \ubc95\uc801 \uc18c\uc720\uad8c\uc744 \uba85\ud655\ud788 \ud655\uc778\ud558\uace0, \ud5a5\ud6c4 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \uc18c\uc720\uad8c \ubd84\uc7c1\uc73c\ub85c\ubd80\ud130 \ub300\ucd9c \uae30\uad00\uacfc \ubc14\uc774\uc5b4\ub97c \ubcf4\ud638\ud558\uba70 \uac70\ub798\ub97c \uc548\uc804\ud558\uac8c \ub9e4\ub4ed\uc9d3\ub294 \ub370 \ub4dc\ub294 \ube44\uc6a9\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"width: 100%; margin: 24px 0 18px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 30%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc694\uae08\n        <\/th>\n        <th style=\"width: 22%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc77c\ubc18\uc801\uc778 \ube44\uc6a9\n        <\/th>\n        <th style=\"width: 48%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc6a9\ub3c4\ub294 \ubb34\uc5c7\uc778\uac00\uc694?\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \ub300\ucd9c\uae30\uad00 \uba85\uc758\uc758 \uc18c\uc720\uad8c \ubcf4\ud5d8\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          1,626\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uc8fc\ud0dd \uad6c\ub9e4 \ud6c4 \uc18c\uc720\uad8c \ubb38\uc81c\uac00 \ubc1c\uc0dd\ud560 \uacbd\uc6b0 \ub300\ucd9c \uae30\uad00\uc744 \ubcf4\ud638\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc18c\uc720\uad8c \ubcf4\ud5d8\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          487\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uad6c\ub9e4 \ud6c4 \uc18c\uc720\uad8c \ubb38\uc81c\uac00 \ubc1c\uc0dd\ud560 \uacbd\uc6b0 \uad6c\ub9e4\uc790\ub97c \ubcf4\ud638\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc815\uc0b0 \ubc0f \ub9c8\uac10 \uc218\uc218\ub8cc\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          725\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \ubd80\ub3d9\uc0b0 \uac70\ub798\ub97c \ub9c8\ubb34\ub9ac \uc9d3\uace0 \uc11c\ub958\ub97c \uc870\uc728\ud558\ub294 \uacc4\uc57d \ub2f4\ub2f9\uc790, \uc5d0\uc2a4\ud06c\ub85c \ub2f4\ub2f9\uc790 \ub610\ub294 \ubcc0\ud638\uc0ac\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \ubb38\uc11c \uc804\ub2ec \ubc0f \uc900\ube44 \uc218\uc218\ub8cc\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          102\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c \ubc0f \uc8fc\ud0dd \uad6c\ub9e4\uc640 \uad00\ub828\ub41c \ubc95\ub960 \ubb38\uc11c\uc758 \uc900\ube44, \ucc98\ub9ac \ubc0f \uc804\ub2ec\uc744 \ub2e4\ub8f9\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uacf5\uc99d \uc218\uc218\ub8cc\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          38\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uc911\uc694 \uacc4\uc57d\uc11c\ub958 \uacf5\uc99d \ube44\uc6a9\uc744 \uc9c0\ubd88\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"margin: 0 0 28px; color: #6b7280; font-size: 12px; line-height: 1.65; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  \ucc38\uace0: \uc77c\ubc18\uc801\uc778 \ubd80\ub3d9\uc0b0 \uac70\ub798 \ubc0f \ub4f1\uae30 \uc218\uc218\ub8cc \ub370\uc774\ud130\ub294 LendingTree\uc5d0\uc11c \uc778\uc6a9\ud55c Fannie Mae \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c Urban Institute\uc5d0\uc11c \uacc4\uc0b0\ud55c \uac83\uc785\ub2c8\ub2e4. \uc774 \uc218\uce58\ub294 \uc804\uad6d \ud3c9\uade0\uc774\uba70 \ucc38\uace0 \uc790\ub8cc\ub85c\ub9cc \uc0ac\uc6a9\ud574\uc57c \ud558\uba70, \ud655\uc815 \uacac\uc801\uc73c\ub85c \uac04\uc8fc\ud574\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4. \uc2e4\uc81c \ub4f1\uae30, \uc5d0\uc2a4\ud06c\ub85c, \uc11c\ub958 \uc791\uc131 \ubc0f \uacf5\uc99d \uc218\uc218\ub8cc\ub294 \uc9c0\uc5ed, \uc81c\uacf5\uc5c5\uccb4, \ubd80\ub3d9\uc0b0 \uc720\ud615, \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8 \ubc0f \ucd5c\uc885 Loan Estimate\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-step-3-\uc138\uae08-\ubc0f-\uc815\ubd80-\uc218\uc218\ub8cc-taxes-and-government-fees\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Step 3 : <strong>\uc138\uae08 \ubc0f \uc815\ubd80 \uc218\uc218\ub8cc (Taxes and Government Fees)<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ubd80\ub3d9\uc0b0 \uc18c\uc720\uad8c\uc774 \uc774\uc804\ub418\uba74\uc11c \uc815\ubd80(\uc8fc \uc815\ubd80 \ub610\ub294 \uce74\uc6b4\ud2f0)\uc5d0 \ub0a9\ubd80\ud574\uc57c \ud558\ub294 \uc138\uae08\uacfc \ub4f1\uae30 \ube44\uc6a9\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"width: 100%; margin: 24px 0 18px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 30%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc694\uae08\n        <\/th>\n        <th style=\"width: 34%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc77c\ubc18\uc801\uc778 \ube44\uc6a9\n        <\/th>\n        <th style=\"width: 36%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc6a9\ub3c4\ub294 \ubb34\uc5c7\uc778\uac00\uc694?\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc591\ub3c4\uc138\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uc804\uad6d \ud3c9\uade0 1,465\ub2ec\ub7ec<br>\n          <span style=\"display: inline-block; margin-top: 6px; color: #0073cf; font-weight: 800;\">\n            \uc5b4\ubc14\uc778 \uc0ac\ub840: 1,000,000\ub2ec\ub7ec \u00f7 500\ub2ec\ub7ec \u00d7 0.55\ub2ec\ub7ec = 1,100\ub2ec\ub7ec\n          <\/span>\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \ubd80\ub3d9\uc0b0 \uc18c\uc720\uad8c \uc774\uc804\uc5d0 \ubd80\uacfc\ub418\ub294 \uc8fc \ub610\ub294 \uc9c0\ubc29\uc138.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \ub179\uc74c\ub8cc\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uc804\uad6d \ud3c9\uade0 179\ub2ec\ub7ec<br>\n          <span style=\"display: inline-block; margin-top: 6px; color: #4b5563; font-weight: 700;\">\n            \uc5b4\ubc14\uc778 \uc0ac\ub840: \ubb38\uc11c \ubc0f \uce74\uc6b4\ud2f0 \ub4f1\uae30 \uc694\uac74\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4.\n          <\/span>\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uc18c\uc720\uad8c \uc774\uc804 \ub4f1\uae30 \ubc0f \uc800\ub2f9\uad8c \uc124\uc815 \uc11c\ub958\ub97c \uc9c0\ubc29\uc815\ubd80\uc5d0 \ub4f1\uae30\ud558\ub294 \uc808\ucc28\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc138\uae08 \uc778\uc9c0\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uc804\uad6d \ud3c9\uade0 636\ub2ec\ub7ec<br>\n          <span style=\"display: inline-block; margin-top: 6px; color: #4b5563; font-weight: 700;\">\n            \uc5b4\ubc14\uc778 \uc0ac\ub840: \ud604\uc9c0 \uc138\ubc95 \ubc0f \uac70\ub798 \uad6c\uc870\uc5d0 \ub530\ub77c \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n          <\/span>\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \ub2f4\ubcf4 \ub300\ucd9c\uc774\ub098 \ubd80\ub3d9\uc0b0 \uc18c\uc720\uad8c \uc99d\uc11c\uc5d0 \ubd80\uacfc\ub418\ub294 \uc138\uae08\uc73c\ub85c, \ub300\uac1c \ub300\ucd9c \uae08\uc561\uc774\ub098 \ubd80\ub3d9\uc0b0 \uac00\uce58\ub97c \uae30\uc900\uc73c\ub85c \ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \ud3c9\uac00\uc138\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uc804\uad6d \ud3c9\uade0 3\ub2ec\ub7ec<br>\n          <span style=\"display: inline-block; margin-top: 6px; color: #4b5563; font-weight: 700;\">\n            \uc5b4\ubc14\uc778 \uc0ac\ub840: \uc18d\uc131\ubcc4\n          <\/span>\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \ud574\ub2f9 \ubd80\ub3d9\uc0b0\uacfc \uc5f0\uacc4\ub41c \uacf5\uacf5 \uc11c\ube44\uc2a4 \ub610\ub294 \uc9c0\uc5ed \ucc28\uc6d0\uc758 \uac1c\uc120 \uc0ac\uc5c5\uc5d0 \ub300\ud55c \uc18c\uc561\uc758 \uc9c0\ubc29\uc138.\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"margin: 0 0 28px; color: #6b7280; font-size: 12px; line-height: 1.65; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  \ucc38\uace0: \uc804\uad6d \ud3c9\uade0 \uc138\uae08 \ubc0f \uc815\ubd80 \uc218\uc218\ub8cc \uc218\uce58\ub294 LendingTree\uc5d0\uc11c \uc778\uc6a9\ud55c Fannie Mae \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c Urban Institute\uc5d0\uc11c \uacc4\uc0b0\ud55c \uac83\uc785\ub2c8\ub2e4. \uce98\ub9ac\ud3ec\ub2c8\uc544 \uc624\ub80c\uc9c0 \uce74\uc6b4\ud2f0\uc758 \uacbd\uc6b0, \uc21c \ub9e4\ub9e4 \ub300\uae08\uc774 100\ub2ec\ub7ec\ub97c \ucd08\uacfc\ud560 \ub54c \uc591\ub3c4\uc138\ub294 500\ub2ec\ub7ec\ub2f9 \ub610\ub294 \uadf8 \ubbf8\ub9cc \uae08\uc561\ub2f9 0.55\ub2ec\ub7ec\ub85c \uacc4\uc0b0\ub429\ub2c8\ub2e4. 1,100\ub2ec\ub7ec\ub77c\ub294 \uc608\uc0c1 \uae08\uc561\uc740 100\ub9cc \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc5b4\ubc14\uc778 \ubd80\ub3d9\uc0b0 \uad6c\ub9e4\uc5d0 \ud574\ub2f9 \uc138\uc728\uc744 \uc801\uc6a9\ud55c \uac83\uc785\ub2c8\ub2e4. \uc2e4\uc81c \uc138\uae08 \ubc0f \ub4f1\uae30 \ube44\uc6a9\uc740 \uac70\ub798 \ub0b4\uc6a9, \uba74\uc81c \uc0ac\ud56d, \uc9c0\uc5ed \uaddc\uc815, \ub9e4\ub9e4 \uacc4\uc57d \ubc0f \ucd5c\uc885 Loan Estimate\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-step-4-\uc81c3\uc790-\uc11c\ube44\uc2a4-\uc218\uc218\ub8cc-third-party-service-fees\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Step 4 : <strong>\uc81c3\uc790 \uc11c\ube44\uc2a4 \uc218\uc218\ub8cc (Third-Party Service Fees)<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc81c3\uc790 \uc11c\ube44\uc2a4 \uc218\uc218\ub8cc\ub294 \uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c \ubc0f \uc8fc\ud0dd \uad6c\ub9e4 \uacfc\uc815\uc5d0 \uad00\ub828\ub41c \uc678\ubd80 \uc5c5\uccb4\uc5d0 \uc9c0\ubd88\ud558\ub294 \uae08\uc561\uc785\ub2c8\ub2e4. <br>\uc5ec\uae30\uc5d0\ub294 \uc2e0\uc6a9 \ubcf4\uace0, \uac10\uc815 \ud3c9\uac00, \uac80\uc0ac, \uce21\ub7c9, \ud64d\uc218 \uc704\ud5d8 \uc778\uc99d, \ub2f4\ubcf4\uad8c \uac80\uc0c9 \ubc0f \uc1a1\uae08 \uc11c\ube44\uc2a4 \ub4f1\uc774 \ud3ec\ud568\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"width: 100%; margin: 24px 0 18px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 28%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc694\uae08\n        <\/th>\n        <th style=\"width: 22%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc77c\ubc18\uc801\uc778 \ube44\uc6a9\n        <\/th>\n        <th style=\"width: 50%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc6a9\ub3c4\ub294 \ubb34\uc5c7\uc778\uac00\uc694?\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc2e0\uc6a9 \ubcf4\uace0\uc11c \uc218\uc218\ub8cc\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          80\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \ub300\ucd9c \uc2e0\uccad\uc790\uc758 \uc2e0\uc6a9\ub3c4\ub97c \ud3c9\uac00\ud558\uae30 \uc704\ud574 \uc2e0\uc6a9 \ubcf4\uace0\uc11c\ub97c \uc870\ud68c\ud558\ub294 \ube44\uc6a9\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc8fc\ud0dd \uac10\uc815 \uc218\uc218\ub8cc\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          558\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uc8fc\ud0dd\uc758 \uc2dc\uc7a5 \uac00\uce58\uac00 \ub300\ucd9c \uae08\uc561\uc744 \ub4b7\ubc1b\uce68\ud558\ub294\uc9c0 \ud655\uc778\ud558\uae30 \uc704\ud55c \uc804\ubb38 \uac10\uc815 \ud3c9\uac00 \ube44\uc6a9\uc744 \uc9c0\ubd88\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc8fc\ud0dd \ubc0f \ud574\ucda9 \uac80\uc0ac \ube44\uc6a9 \ub4f1\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          120\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \ubd80\ub3d9\uc0b0 \uc0c1\ud0dc \ubc0f \uad6c\uc870\uc801 \ub610\ub294 \ubb3c\ub9ac\uc801 \ubb38\uc81c \uac00\ub2a5\uc131\uc744 \uac80\ud1a0\ud558\ub294 \uac80\uc0ac\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uce21\ub7c9\ube44\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          105\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \ud1a0\uc9c0 \uacbd\uacc4, \ud544\uc9c0 \ud06c\uae30, \uadf8\ub9ac\uace0 \uce68\ubc94 \ub610\ub294 \ud1b5\ud589\uad8c \uac00\ub2a5\uc131\uc744 \ud655\uc778\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \ud64d\uc218 \uc778\uc99d\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          8\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \ud574\ub2f9 \ubd80\ub3d9\uc0b0\uc774 \ud64d\uc218 \uc704\ud5d8 \uc9c0\uc5ed\uc5d0 \uc18d\ud558\ub294\uc9c0, \uadf8\ub9ac\uace0 \ud64d\uc218 \ubcf4\ud5d8 \uac00\uc785\uc774 \ud544\uc694\ud55c\uc9c0 \uc5ec\ubd80\ub97c \ud310\ub2e8\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc9c0\ubc29\uc790\uce58\ub2e8\uccb4 \uc720\uce58\uad8c \uc99d\uba85\uc11c \uc218\uc218\ub8cc\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          5\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uc7ac\uc0b0\uc138, \uacf5\uacfc\uae08 \ub610\ub294 \uc9c0\ubc29\uc138 \uccb4\ub0a9\uae08\uacfc \uac19\uc740 \ubbf8\ub0a9 \uc9c0\ubc29 \uc694\uae08\uc5d0 \ub300\ud55c \uc218\ud45c\uc785\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc1a1\uae08 \uc218\uc218\ub8cc\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          4\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uac70\ub798 \uc644\ub8cc\ub97c \uc704\ud574 \uc804\uc790\uc801\uc73c\ub85c \uc790\uae08\uc744 \uc774\uccb4\ud558\ub294 \ub370 \ub4dc\ub294 \ube44\uc6a9\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"margin: 0 0 28px; color: #6b7280; font-size: 12px; line-height: 1.65; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  \ucc38\uace0: \uc77c\ubc18\uc801\uc778 \uc81c3\uc790 \uc218\uc218\ub8cc \ub370\uc774\ud130\ub294 LendingTree\uc5d0\uc11c \uc778\uc6a9\ud55c Fannie Mae \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c Urban Institute\uc5d0\uc11c \uacc4\uc0b0\ud55c \uac83\uc785\ub2c8\ub2e4. \uc774 \uc218\uce58\ub294 \uc804\uad6d \ud3c9\uade0\uc774\uba70 \ucc38\uace0 \uc790\ub8cc\ub85c\ub9cc \uc0ac\uc6a9\ud574\uc57c \ud558\uba70, \ud655\uc815 \uacac\uc801\uc73c\ub85c \uac04\uc8fc\ud574\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4. \uc2e4\uc81c \uc81c3\uc790 \uc218\uc218\ub8cc\ub294 \ubd80\ub3d9\uc0b0 \uc885\ub958, \uc704\uce58, \uc81c\uacf5\uc5c5\uccb4, \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8, \uac80\uc0ac \ud544\uc694 \uc0ac\ud56d, \ud64d\uc218 \uc704\ud5d8 \uc5ec\ubd80 \ubc0f \ucd5c\uc885 Loan Estimate\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-step-5-\uc5d0\uc2a4\ud06c\ub85c-\uc608\uce58\uae08-\ubc0f-\uc120\ub0a9\uae08-escrows-prepaids-hoa-and-points\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Step 5 : <strong>\uc5d0\uc2a4\ud06c\ub85c \uc608\uce58\uae08 \ubc0f \uc120\ub0a9\uae08 (Escrows, Prepaids, HOA, and Points)<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9ce\uc740 \ubc14\uc774\uc5b4\ubd84\ub4e4\uc774 \ube44\uc6a9 \ub0b4\uc5ed\uc744 \ubc1b\uc544\ubcf4\uace0 \uac00\uc7a5 \ub2f9\ud669\ud558\uc2dc\ub294 \ud56d\ubaa9\ub4e4\uc785\ub2c8\ub2e4. \uac70\ub798 \uacfc\uc815\uc5d0\uc11c \uc18c\ubaa8\ub418\ub294 \ub2e8\uc21c &#8216;\uc218\uc218\ub8cc&#8217;\uac00 \uc544\ub2c8\ub77c, \ud5a5\ud6c4 \uc9d1\uc744 \uc720\uc9c0\ud558\uba74\uc11c \ubc1c\uc0dd\ud560 \ube44\uc6a9\uc744 \ubbf8\ub9ac \ub0a9\ubd80\ud558\ub294 &#8216;\uc120\ub0a9\uae08&#8217; \uac1c\ub150\uc774\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"width: 100%; margin: 24px 0 18px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 28%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc694\uae08\n        <\/th>\n        <th style=\"width: 34%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc77c\ubc18\uc801\uc778 \ube44\uc6a9\n        <\/th>\n        <th style=\"width: 38%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 14px; line-height: 1.4; white-space: normal; overflow-wrap: anywhere;\">\n          \uc6a9\ub3c4\ub294 \ubb34\uc5c7\uc778\uac00\uc694?\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc8fc\ud0dd \ubcf4\uc99d \uc218\uc218\ub8cc\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          76\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uad6c\ub9e4 \ud6c4 \uc77c\uc815 \uae30\uac04 \ub3d9\uc548 \uc8fc\uc694 \uc2dc\uc2a4\ud15c \ubc0f \uac00\uc804\uc81c\ud488\uc758 \uc218\ub9ac \ub610\ub294 \uad50\uccb4\ub97c \ubcf4\uc7a5\ud558\ub294 \uc11c\ube44\uc2a4 \uacc4\uc57d\uc785\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc774\uc790\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          \uc774\uc790\uc728 \ubc0f \uacc4\uc57d\uc77c\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4.\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uacc4\uc57d \uccb4\uacb0\uc77c\ubd80\ud130 \uccab \ubc88\uc9f8 \ubaa8\uae30\uc9c0 \uc0c1\ud658\uc77c \uc804 \ub2ec \ub9d0\uc77c\uae4c\uc9c0 \ubc1c\uc0dd\ud55c \uc120\ub0a9 \uc774\uc790\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc120\ubd88 \uc8fc\ud0dd \uc18c\uc720\uc790 \ubcf4\ud5d8\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          \uc5f0\uac04 2,800\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \ub300\ucd9c\uae30\uad00\uc5d0\uc11c \uc694\uad6c\ud558\ub294 \uc8fc\ud0dd \uc18c\uc720\uc790 \ubcf4\ud5d8\uc758 \uccab 1\ub144 \ub610\ub294 \uba87 \uac1c\uc6d4\uce58 \ubcf4\ud5d8\ub8cc\ub97c \ubcf4\uc7a5\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc120\ub0a9 \uc7ac\uc0b0\uc138\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          \uc5f0\uac04 2,000\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \ub2e4\uac00\uc624\ub294 \uc7ac\uc0b0\uc138 \uace0\uc9c0\uc11c\ub97c \ud3ec\ud568\ud558\uba70, \uc77c\ubc18\uc801\uc73c\ub85c \uc120\ub0a9 \ubc29\uc2dd\uc73c\ub85c \uc9d5\uc218\ub418\uc5b4 \uc5d0\uc2a4\ud06c\ub85c \uacc4\uc88c\uc5d0 \uc608\uce58\ub429\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          HOA \ud68c\ube44\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          \uc5f0\uac04 3,500\ub2ec\ub7ec\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          HOA\uc5d0\uc11c \uc694\uad6c\ud558\ub294 \uc120\ubd88 HOA \ud68c\ube44, \uc591\ub3c4 \uc218\uc218\ub8cc, \uc6d4 \ud68c\ube44 \ub610\ub294 \ucd08\uae30 \ub0a9\uc785\uae08\uc744 \ub0a9\ubd80\ud569\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          \uc77c\ubc18\uc801\uc73c\ub85c 1\ud3ec\uc778\ud2b8\ub294 \ub300\ucd9c \uae08\uc561\uc758 1%\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4.\n        <\/td>\n        <td style=\"padding: 16px 14px; border-bottom: none; color: #374151; font-size: 14px; line-height: 1.55; white-space: normal; overflow-wrap: anywhere;\">\n          \uc120\ud0dd\uc801\uc73c\ub85c \uc120\ub0a9 \uc774\uc790\ub97c \ud65c\uc6a9\ud558\uc5ec \uc774\uc790\uc728\uc744 \ub0ae\ucd9c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub7ec\ud55c \uc120\ub0a9\uae08 \ubc0f HOA \uad00\ub828 \uae08\uc561\uc740 \ubd80\ub3d9\uc0b0, \ubcf4\ud5d8 \uc815\ucc45, \uc138\uae08 \uc9c0\uc5ed, HOA \ucee4\ubba4\ub2c8\ud2f0 \ubc0f \uacc4\uc57d \uccb4\uacb0\uc77c\uc5d0 \ub530\ub77c \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ubbc0\ub85c \ucc38\uace0\ub85c\ub9cc \ud655\uc778 \ubd80\ud0c1\ub4dc\ub9bd\ub2c8\ub2e4. <\/p>\n\n\n\n<div class=\"loaning-mortgage-box\">\n  <h2>What Mortgage Amount Do You Need?<\/h2>\n\n  <div class=\"loaning-mortgage-amount\" id=\"loaningMortgageAmount\">\n    $500,000\n  <\/div>\n\n  <div class=\"loaning-slider-wrap\">\n    <input id=\"loaningMortgageSlider\" class=\"loaning-mortgage-slider\" type=\"range\" min=\"100000\" max=\"1000000\" step=\"10000\" value=\"500000\" aria-label=\"Select mortgage amount\">\n  <\/div>\n\n  <a class=\"loaning-calculate-button\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=2026_closing_costs&#038;utm_content=2026_closing_costs_check_my_rate\">\n    \uc6d4 \ub0a9\uc785\uae08 \uacc4\uc0b0\ud558\uae30\n  <\/a>\n\n  <p class=\"loaning-terms\">\n    Terms &amp; Conditions Apply. NMLS#2357195\n  <\/p>\n<\/div>\n\n<style>\n.loaning-mortgage-box,\n.loaning-mortgage-box * {\n  box-sizing: border-box;\n}\n\n.loaning-mortgage-box {\n  width: 100%;\n  max-width: 720px;\n  margin: 26px auto 34px;\n  padding: 24px 22px 18px;\n  border: 1px solid #e5e7eb;\n  border-radius: 10px;\n  background: #ffffff;\n  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.10);\n  font-family: inherit;\n  text-align: center;\n  color: #111827;\n  overflow: hidden;\n}\n\n.loaning-mortgage-box h2 {\n  margin: 0 0 10px;\n  font-size: 20px;\n  line-height: 1.35;\n  font-weight: 800;\n  color: #111827;\n  letter-spacing: -0.02em;\n}\n\n.loaning-mortgage-amount {\n  margin: 0 0 24px;\n  font-size: 28px;\n  line-height: 1.15;\n  font-weight: 900;\n  color: #111827;\n  letter-spacing: -0.03em;\n}\n\n.loaning-slider-wrap {\n  width: min(420px, 100%);\n  margin: 0 auto 22px;\n  padding: 0;\n  border: 0 !important;\n  background: transparent !important;\n  box-shadow: none !important;\n}\n\n.loaning-mortgage-slider {\n  display: block;\n  width: 100% !important;\n  min-width: 0 !important;\n  height: 26px;\n  margin: 0 !important;\n  padding: 0 !important;\n  border: none !important;\n  outline: none !important;\n  box-shadow: none !important;\n  background: transparent !important;\n  appearance: none !important;\n  -webkit-appearance: none !important;\n  cursor: pointer;\n}\n\n.loaning-mortgage-slider:focus,\n.loaning-mortgage-slider:active,\n.loaning-mortgage-slider:hover {\n  border: none !important;\n  outline: none !important;\n  box-shadow: none !important;\n  background: transparent !important;\n}\n\n.loaning-mortgage-slider::-webkit-slider-runnable-track {\n  width: 100%;\n  height: 4px;\n  border: none !important;\n  border-radius: 999px;\n  box-shadow: none !important;\n  background: var(\n    --loaning-slider-bg,\n    linear-gradient(\n      to right,\n      #10b981 0%,\n      #10b981 44.44%,\n      #cbd5e1 44.44%,\n      #cbd5e1 100%\n    )\n  );\n}\n\n.loaning-mortgage-slider::-webkit-slider-thumb {\n  width: 24px;\n  height: 24px;\n  margin-top: -10px;\n  border: 2px solid #111827;\n  border-radius: 50%;\n  background: #ffffff;\n  box-shadow: 0 1px 3px rgba(15, 23, 42, 0.22);\n  cursor: pointer;\n  appearance: none;\n  -webkit-appearance: none;\n}\n\n.loaning-mortgage-slider::-moz-range-track {\n  width: 100%;\n  height: 4px;\n  border: none !important;\n  border-radius: 999px;\n  box-shadow: none !important;\n  background: #cbd5e1;\n}\n\n.loaning-mortgage-slider::-moz-range-progress {\n  height: 4px;\n  border: none !important;\n  border-radius: 999px;\n  background: #10b981;\n}\n\n.loaning-mortgage-slider::-moz-range-thumb {\n  width: 24px;\n  height: 24px;\n  border: 2px solid #111827;\n  border-radius: 50%;\n  background: #ffffff;\n  box-shadow: 0 1px 3px rgba(15, 23, 42, 0.22);\n  cursor: pointer;\n}\n\n.loaning-calculate-button {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  width: min(340px, 100%);\n  min-height: 42px;\n  padding: 0 24px;\n  border-radius: 999px;\n  background: #0073cf;\n  color: #ffffff !important;\n  text-decoration: none !important;\n  font-size: 15px;\n  line-height: 1.2;\n  font-weight: 800;\n  transition: background-color 0.2s ease, transform 0.2s ease;\n}\n\n.loaning-calculate-button:hover {\n  background: #005fa8;\n  color: #ffffff !important;\n  transform: translateY(-1px);\n}\n\n.loaning-terms {\n  margin: 7px 0 0;\n  font-size: 11px;\n  line-height: 1.4;\n  color: #6b7280;\n}\n\n@media (max-width: 768px) {\n  .loaning-mortgage-box {\n    width: 100%;\n    margin: 24px 0 30px;\n    padding: 20px 16px 16px;\n    border-radius: 10px;\n  }\n\n  .loaning-mortgage-box h2 {\n    font-size: 18px;\n  }\n\n  .loaning-mortgage-amount {\n    font-size: 26px;\n    margin-bottom: 22px;\n  }\n\n  .loaning-slider-wrap {\n    width: 100%;\n    max-width: 420px;\n    margin-bottom: 22px;\n  }\n\n  .loaning-calculate-button {\n    width: min(320px, 100%);\n    min-height: 44px;\n    font-size: 14px;\n  }\n\n  .loaning-terms {\n    font-size: 10.5px;\n  }\n}\n<\/style>\n\n<script>\n(function () {\n  const slider = document.getElementById(\"loaningMortgageSlider\");\n  const amount = document.getElementById(\"loaningMortgageAmount\");\n\n  if (!slider || !amount) return;\n\n  function formatCurrency(value) {\n    return \"$\" + Number(value).toLocaleString(\"en-US\");\n  }\n\n  function updateSlider() {\n    const min = Number(slider.min);\n    const max = Number(slider.max);\n    const value = Number(slider.value);\n    const percentage = ((value - min) \/ (max - min)) * 100;\n\n    amount.textContent = formatCurrency(value);\n\n    slider.style.setProperty(\n      \"--loaning-slider-bg\",\n      \"linear-gradient(to right, #10b981 0%, #10b981 \" +\n        percentage +\n        \"%, #cbd5e1 \" +\n        percentage +\n        \"%, #cbd5e1 100%)\"\n    );\n  }\n\n  slider.addEventListener(\"input\", updateSlider);\n  updateSlider();\n})();\n<\/script>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\ub9c8\uc9c0\ub9c9-\ucc38\uace0-\uc0ac\ud56d\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\ub9c8\uc9c0\ub9c9 \ucc38\uace0 \uc0ac\ud56d<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">5\uac00\uc9c0 Step\uc744 \ub530\ub77c \uc815\ub9ac\ud574 \ubcf4\uba74, 100\ub9cc \ub2ec\ub7ec\uc9dc\ub9ac Irvine \uc8fc\ud0dd\uc744 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 30%\ub85c \uad6c\ub9e4\ud560 \uacbd\uc6b0, \uc608\uc0c1 \ube44\uc6a9\uc740 \uc544\ub798\uc640 \uac19\uc774 \uc815\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"width: 100%; margin: 24px 0 30px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 52%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          \ud56d\ubaa9\n        <\/th>\n        <th style=\"width: 48%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          \uc608\uc0c1 \uae08\uc561\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          300,000\ub2ec\ub7ec\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \ub300\ucd9c \uae08\uc561\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          700,000\ub2ec\ub7ec\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc608\uc0c1 \ub9c8\uac10 \ube44\uc6a9\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          9,800\ub2ec\ub7ec\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \ud06c\ub808\ub527 \uc801\uc6a9 \uc804 \uc608\uc0c1 \uc794\uae08 \uc9c0\uae09\uc561\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          309,800\ub2ec\ub7ec\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \uc624\ub80c\uc9c0 \uce74\uc6b4\ud2f0 \uc591\ub3c4\uc138 \uc608\uc0c1\uc561\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          \uc57d 1,100\ub2ec\ub7ec\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          \ubaa8\uae30\uc9c0 \ud3ec\uc778\ud2b8 1\uc810 \uc120\ud0dd \uc2dc\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          7,000\ub2ec\ub7ec\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud754\ud788 \ud63c\ub3d9\ub418\ub294 \ubd80\ubd84\uc740 \uacc4\uc57d\uae08, \ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8, \uadf8\ub9ac\uace0 \uc794\uae08\uc758 \ucc28\uc774\uc785\ub2c8\ub2e4. \uc774\ub4e4\uc740 \uc11c\ub85c \uad00\ub828\ub418\uc5b4 \uc788\uc9c0\ub9cc, \ub3d9\uc77c\ud55c \uac1c\ub150\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uacc4\uc57d\uae08\uc740 \uc8fc\ud0dd \uad6c\ub9e4 \uac00\uaca9 \uc911 \uc120\ubd88\ub85c \uc9c0\ubd88\ud558\ub294 \ubd80\ubd84\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\ub294 \uad6c\ub9e4 \ubc0f \ub300\ucd9c\uc744 \uc644\ub8cc\ud558\ub294 \ub370 \ud544\uc694\ud55c \uac70\ub798 \uad00\ub828 \uc218\uc218\ub8cc \ubc0f \uc120\ubd88 \ube44\uc6a9\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc794\uae08 \uc9c0\uae09\uc561\uc740 \ud06c\ub808\ub527, \ubcf4\uc99d\uae08 \ubc0f \uc870\uc815 \uc0ac\ud56d\uc774 \uc801\uc6a9\ub41c \ud6c4 \uc794\uae08 \uc9c0\uae09\uc77c\uc5d0 \uc9c0\ubd88\ud574\uc57c \ud558\ub294 \ucd1d \uae08\uc561\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\ub97c \ub4e4\uc5b4, \uacc4\uc57d\uae08\uc774 6\ub9cc \ub2ec\ub7ec\uc774\uace0 \uc608\uc0c1\ub418\ub294 \uc794\uae08 \ube44\uc6a9\uc774 1\ub9cc 4\ucc9c \ub2ec\ub7ec\ub77c\uba74, \ucd5c\uc885 \uc794\uae08\uc740 \uc815\ud655\ud788 7\ub9cc 4\ucc9c \ub2ec\ub7ec\uac00 \uc544\ub2d0 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacc4\uc57d\uae08, \ub9e4\ub3c4\uc778 \ud560\uc778, \ub300\ucd9c\uae30\uad00 \ud560\uc778, \uc120\ub0a9\uae08 \uc870\uc815 \ub4f1\uc73c\ub85c \ucd5c\uc885 \uae08\uc561\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub54c\ubb38\uc5d0 \ub300\ucd9c \uacac\uc801\uc11c\uc640 \uc794\uae08 \uba85\uc138\uc11c\uac00 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\ud074\ub85c\uc9d5-\ucf54\uc2a4\ud2b8-\ubd80\ub2f4\uc744-\uc904\uc774\ub294-\ud604\uc2e4\uc801\uc778-\ubc29\ubc95\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong><strong>\ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8 \ubd80\ub2f4\uc744 \uc904\uc774\ub294 \ud604\uc2e4\uc801\uc778 \ubc29\ubc95<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc14\uc774\uc5b4\uac00 \uac70\ub798 \ube44\uc6a9\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc744 \ubd80\ub2f4\ud558\ub294 \uac83\uc740 \ub9de\uc9c0\ub9cc, \ubaa8\ub4e0 \ube44\uc6a9\uc744 \ud63c\uc790 \uac10\ub2f9\ud560 \ud544\uc694\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. <br>\ud611\uc0c1\uacfc \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub530\ub77c \ube44\uc6a9\uc744 \uc0c1\uc1c4\ud560 \ubc29\ubc95\ub4e4\uc774 \uc5f4\ub824 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 id=\"h-\uc140\ub7ec-\ud06c\ub808\ub527-seller-credits-\ud65c\uc6a9\" class=\"wp-block-heading\"><strong><strong>\uc140\ub7ec \ud06c\ub808\ub527 (Seller Credits) \ud65c\uc6a9<\/strong><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc140\ub7ec \ud06c\ub808\ub527\uc774\ub780 \uc140\ub7ec\uac00 \ubc14\uc774\uc5b4\uc758 \ubd80\ub3d9\uc0b0 \uac70\ub798 \ube44\uc6a9 \uc77c\ubd80\ub97c \ubd80\ub2f4\ud558\uae30\ub85c \ub3d9\uc758\ud558\ub294 \uac83\uc744 \ub9d0\ud569\ub2c8\ub2e4. \uc774\ub294 \ub9e4\ub9e4 \uacc4\uc57d\uc11c\uc5d0\uc11c \ud611\uc0c1 \uac00\ub2a5\ud558\uba70, \ud2b9\ud788 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ubc14\uc774\uc5b4\uac00 \uc591\ubcf4\ub97c \uc694\uad6c\ud560 \uc5ec\uc9c0\uac00 \ub9ce\uc744 \uacbd\uc6b0 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8\uc740 \ubcf4\ud1b5 \ubc14\uc774\uc5b4\uac00 \ubd80\ub2f4\ud560 \uc218 \uc788\ub294 \uae08\uc561\uc5d0 \uc81c\ud55c\uc744 \ub450\ubbc0\ub85c, \ub9e4\ub9e4 \uacc4\uc57d\uc11c\ub97c \uc791\uc131\ud558\uae30 \uc804\uc5d0 \ub80c\ub354\uc5d0 \ud574\ub2f9 \ud55c\ub3c4\ub97c \ud655\uc778\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 id=\"h-\ub80c\ub354-\ud06c\ub808\ub527-lender-credits-\ubb38\uc758\" class=\"wp-block-heading\"><strong><strong>\ub80c\ub354 \ud06c\ub808\ub527 (Lender Credits) \ubb38\uc758<\/strong><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ub80c\ub354 \ud06c\ub808\ub527\uc740 \ucd08\uae30 \uacc4\uc57d \ube44\uc6a9\uc744 \uc904\uc5ec\uc904 \uc218 \uc788\uc9c0\ub9cc, \ub354 \ub192\uc740 \uc774\uc790\uc728\uacfc \uac19\uc740 \ub2e8\uc810\uc774 \ub530\ub97c \uc218 \uc788\uc5b4\uc694. <br>\uacc4\uc57d \uccb4\uacb0 \uc2dc \ud604\uae08\uc744 \uc544\uaef4\uc57c \ud558\ub294 \uacbd\uc6b0 \ub4f1, \ub80c\ub354 \ud06c\ub808\ub527\uc774 \ud544\uc694\ud55c \uc0c1\ud669\uc778\uc9c0\ub97c \uba3c\uc800 \uace0\ub824\ud574 \ubcf4\uc138\uc694.<\/p>\n\n\n\n<h3 id=\"h-\uccab-\uc8fc\ud0dd-\ubc14\uc774\uc5b4-\uc9c0\uc6d0-\ud504\ub85c\uadf8\ub7a8\" class=\"wp-block-heading\"><strong><strong>\uccab \uc8fc\ud0dd \ubc14\uc774\uc5b4 \uc9c0\uc6d0 \ud504\ub85c\uadf8\ub7a8<\/strong><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc77c\ubd80 \uad6c\ub9e4\uc790\ub294 \uc801\uaca9 \uc99d\uc5ec \uc790\uae08\uc774\ub098 \uc9c0\uc5ed \uc9c0\uc6d0 \ud504\ub85c\uadf8\ub7a8\uc744 \ud65c\uc6a9\ud558\uc5ec \uc794\uae08\uc758 \uc77c\ubd80\ub97c \ucda9\ub2f9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad00\ub828 \uc11c\ub958 \uaddc\uc815\uc774 \uc801\uc6a9\ub418\uba70, \uc9c0\uc6d0 \uac00\ub2a5 \uc5ec\ubd80\ub294 \ud504\ub85c\uadf8\ub7a8, \ubd80\ub3d9\uc0b0 \uc704\uce58, \ucc28\uc6a9\uc790 \ud504\ub85c\ud544 \ubc0f \ub300\ucd9c \uc720\ud615\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\ubd80\ub3d9\uc0b0-\uac70\ub798-\ube44\uc6a9\uc744-\ub354-\uc815\ud655\ud558\uac8c-\ucd94\uc0b0\ud558\ub294-\ubc29\ubc95\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\ubd80\ub3d9\uc0b0 \uac70\ub798 \ube44\uc6a9\uc744 \ub354 \uc815\ud655\ud558\uac8c \ucd94\uc0b0\ud558\ub294 \ubc29\ubc95<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc628\ub77c\uc778 \ubd80\ub3d9\uc0b0 \uac70\ub798 \ube44\uc6a9 \uacc4\uc0b0\uae30\ub294 \ud2b9\ud788 \uc8fc\ud0dd \uac00\uaca9\uc744 \ube44\uad50\ud558\ub294 \ub2e8\uacc4\uc5d0\uc11c \ucd08\uae30 \uc608\uc0b0 \ucc45\uc815\uc5d0 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uacc4\uc0b0\uae30\ub294 \uc2e4\uc81c \ub300\ucd9c \uae30\uad00 \uc218\uc218\ub8cc, \uc9c0\uc5ed \uc138\uae08 \uaddc\uc815, \ubcf4\ud5d8\ub8cc, \uc5d0\uc2a4\ud06c\ub85c \uc124\uc815, \ud310\ub9e4\uc790 \uc2e0\uc6a9 \ub610\ub294 \ucd5c\uc885 \ub300\ucd9c \uad6c\uc870 \ub4f1\uc744 \uc644\ubcbd\ud558\uac8c \ubc18\uc601\ud558\uc9c0 \ubabb\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h3 id=\"h-\ubcf4\ub2e4-\ud604\uc2e4\uc801\uc778-\uc608\uc0c1-\uae08\uc561\uc744-\uc5bb\uc73c\ub824\uba74-\ub860\uc624\ud53c\uc11c\uc640\uc640-\uc0c1\ub2f4\ud558\uae30-\uc804\uc5d0-\ud558\uae30-\uc815\ubcf4\ub97c-\uc900\ube44\ud574-\ubcf4\uc138\uc694\" class=\"wp-block-heading\"><strong>\ubcf4\ub2e4 \ud604\uc2e4\uc801\uc778 \uc608\uc0c1 \uae08\uc561\uc744 \uc5bb\uc73c\ub824\uba74 \ub860\uc624\ud53c\uc11c\uc640\uc640 \uc0c1\ub2f4\ud558\uae30 \uc804\uc5d0 \ud558\uae30 \uc815\ubcf4\ub97c \uc900\ube44\ud574 \ubcf4\uc138\uc694.<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc608\uc0c1 \uad6c\ub9e4 \uac00\uaca9 \ubc0f \uc6b0\ud3b8\ubc88\ud638<\/li>\n\n\n\n<li>\uacc4\uc57d\uae08 \uae08\uc561 \ub610\ub294 \ube44\uc728<\/li>\n\n\n\n<li>\uace0\ub824 \uc911\uc778 \ub300\ucd9c \uc720\ud615<\/li>\n\n\n\n<li>\uc608\uc0c1 \uc7ac\uc0b0\uc138 \ubc0f \uc8fc\ud0dd \uc18c\uc720\uc790 \ubcf4\ud5d8\ub8cc<\/li>\n\n\n\n<li>\ud574\ub2f9 \uc8fc\ud0dd\uc5d0 HOA \ud68c\ube44\uac00 \uc788\ub294\uc9c0 \uc5ec\ubd80<\/li>\n\n\n\n<li>\uc608\uc0c1\ub418\ub294 \ud310\ub9e4\uc790 \uc2e0\uc6a9 \ub610\ub294 \ub300\ucd9c \uae30\uad00 \uc2e0\uc6a9<\/li>\n\n\n\n<li>\ud560\uc778 \ud3ec\uc778\ud2b8 \uace0\ub824 \uc720\ubb34<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uc2e0\uccad\ud558\uba74 \ub80c\ub354\ub294 \ub300\ucd9c \uacac\uc801\uc11c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc794\uae08 \uc9c0\uae09 \uc804\uc5d0\ub294 \ucd5c\uc885 \ub300\ucd9c \uc870\uac74\uacfc \ub9c8\uac10 \ube44\uc6a9\uc774 \uba85\uc2dc\ub41c \ucd5c\uc885 \uba85\uc138\uc11c\ub97c \ubc1b\uac8c \ub429\ub2c8\ub2e4. \uc774 \ub450 \uc11c\ub958\ub97c \uaf3c\uaf3c\ud788 \ube44\uad50\ud558\uace0, \ubcc0\uacbd\ub41c \ud56d\ubaa9\uc774 \uc788\uc73c\uba74 \ub860\uc624\ud53c\uc11c\uc5d0\uac8c \ubc18\ub4dc\uc2dc \uc124\uba85\uc744 \uc694\uccad\ud558\uc138\uc694.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-loaning-ai-nbsp-\uc694\uc57d\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong><a href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=2026_closing_costs&amp;utm_content=2026_closing_costs_check_my_rate\">Loaning.ai<\/a>&nbsp;\uc694\uc57d<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ubd80\ub3d9\uc0b0 \uac70\ub798 \uc2dc \ubc1c\uc0dd\ud558\ub294 \ube44\uc6a9\uc740 \ubbf8\ub9ac \uc608\uc0c1\ud558\uace0 \ub300\ube44\ud558\uba74 \uac10\ub2f9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubb38\uc81c\ub294 \uac70\ub798 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud55c\ub2e4\ub294 \uc0ac\uc2e4 \uc790\uccb4\uac00 \uc544\ub2c8\ub77c, \uc774\ubbf8 \uacc4\uc57d\uc744 \uccb4\uacb0\ud588\uac70\ub098 \uacc4\uc57d\uae08\ub9cc\uc73c\ub85c \uc608\uc0b0\uc744 \uc870\uc815\ud55c \ud6c4\uc5d0\uc57c \uadf8 \ube44\uc6a9\uc744 \uc54c\uac8c \ub418\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loaning.ai\ub294 \uc8fc\ud0dd \uad6c\ub9e4\uc790\ub4e4\uc774 \uad6c\ub9e4 \uc808\ucc28\ub97c \ub108\ubb34 \uc9c4\ud589\ud558\uae30 \uc804\uc5d0 \ubaa8\uae30\uc9c0 \uc635\uc158, \uc608\uc0c1 \uc794\uae08, \uc0ac\uc804 \uc2b9\uc778 \uc900\ube44 \uc0c1\ud0dc \ub4f1\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4. \ubbf8\uad6d\uc5d0\uc11c \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uacc4\ud68d\ud558\uace0 \uc788\ub2e4\uba74, \ubbf8\ub9ac \uc7ac\uc815 \uc0c1\ud669\uc744 \uc810\uac80\ud558\ub294 \uac83\uc774 \ub098\uba38\uc9c0 \uacfc\uc815\uc744 \ud6e8\uc52c \uc218\uc6d4\ud558\uac8c \ub9cc\ub4e4\uc5b4 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\ud074\ub85c\uc9d5-\ucf54\uc2a4\ud2b8-2026-faq\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8 2026 : FAQ<\/strong><\/h2>\n\n\n\n<div style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:15px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n    <strong style=\"color:#0073cf; margin-right:6px;\">Q.<\/strong>\n    <strong>\ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\ub294 \uc5b8\uc81c \uc9c0\ubd88\ud574\uc57c \ud558\ub098\uc694?<\/strong>\n  <\/div>\n  <div>\n    <strong style=\"color:#10b981; margin-right:6px;\">A.<\/strong>\n    \ub300\ubd80\ubd84\uc758 \ub9c8\uac10 \ube44\uc6a9\uc740 \uacc4\uc57d \uccb4\uacb0 \uc2dc \uc9c0\ubd88\ub429\ub2c8\ub2e4. \uac80\uc0ac\ub098 \ud2b9\uc815 \uc778\uc99d\uacfc \uac19\uc740 \uc77c\ubd80 \ud56d\ubaa9\uc740 \uadf8 \uc774\uc804 \ub2e8\uacc4\uc5d0\uc11c \uc9c0\ubd88\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n  <\/div>\n<\/div>\n\n\n\n<div style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:15px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n    <strong style=\"color:#0073cf; margin-right:6px;\">Q.<\/strong>\n    <strong>\uacc4\uc57d\uae08\ub3c4 \ub9c8\uac10 \ube44\uc6a9\uc5d0 \ud3ec\ud568\ub418\ub098\uc694?<\/strong>\n  <\/div>\n  <div>\n    <strong style=\"color:#10b981; margin-right:6px;\">A.<\/strong>\n    \uc544\ub2c8\uc694. \uacc4\uc57d\uae08\uacfc \ub9c8\uac10 \ube44\uc6a9\uc740 \ubcc4\uac1c\uc774\uc9c0\ub9cc, \ub450 \uac00\uc9c0 \ubaa8\ub450 \uc77c\ubc18\uc801\uc73c\ub85c \uacc4\uc57d \uc2dc \uc9c0\ubd88\ud574\uc57c \ud558\ub294 \ucd1d \ud604\uae08\uc758 \uc77c\ubd80\uc785\ub2c8\ub2e4.\n  <\/div>\n<\/div>\n\n\n\n<div style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:15px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n    <strong style=\"color:#0073cf; margin-right:6px;\">Q.<\/strong>\n    <strong>\uacc4\uc57d \uccb4\uacb0 \uc804\uc5d0 \uacc4\uc57d \ube44\uc6a9\uc774 \ubcc0\uacbd\ub420 \uc218 \uc788\ub098\uc694?<\/strong>\n  <\/div>\n  <div>\n    <strong style=\"color:#10b981; margin-right:6px;\">A.<\/strong>\n    \ub124. \uac70\ub798\uac00 \uc9c4\ud589\ub428\uc5d0 \ub530\ub77c \uc77c\ubd80 \ud56d\ubaa9\uc774 \ubcc0\uacbd\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uae30\uad00\uc740 \ud544\uc694\ud55c \uacbd\uc6b0 \uc5c5\ub370\uc774\ud2b8\ub41c \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\uba70, \uc11c\uba85 \uc804\uc5d0 &#8216;\ub9c8\uac10 \uacf5\uac1c\uc11c(Closing Disclosure)&#8217;\ub97c \uc8fc\uc758 \uae4a\uac8c \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4.\n  <\/div>\n<\/div>\n\n\n\n<div style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:15px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n    <strong style=\"color:#0073cf; margin-right:6px;\">Q.<\/strong>\n    <strong>\ub9c8\uc9c4 \ube44\uc6a9\uc744 \uc644\uc804\ud788 \ud53c\ud560 \uc218 \uc788\ub098\uc694?<\/strong>\n  <\/div>\n  <div>\n    <strong style=\"color:#10b981; margin-right:6px;\">A.<\/strong>\n    \uc77c\ubc18\uc801\uc73c\ub85c \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4. \ud06c\ub808\ub527\uc774\ub098 \uc9c0\uc6d0\uae08\uc744 \ud1b5\ud574 \ucd08\uae30 \ube44\uc6a9\uc744 \uc904\uc77c \uc218\ub294 \uc788\uc9c0\ub9cc, \uadf8 \ube44\uc6a9\uc740 \uc885\uc885 \ub354 \ub192\uc740 \uc774\uc790\uc728\uc774\ub098 \uc870\uc815\ub41c \uacc4\uc57d \uc870\uac74\uacfc \uac19\uc740 \ub2e4\ub978 \ubc29\uc2dd\uc73c\ub85c \uc9c0\ubd88\ub429\ub2c8\ub2e4.\n  <\/div>\n<\/div>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-c645e628e62f8fbab9d9726851472d16 wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=2026_closing_costs&amp;utm_content=2026_closing_costs_check_my_rate\" style=\"background-color:#49cf7e\"><strong>\ud83d\udc49 \ub9de\ucda4 \uae08\ub9ac \ud655\uc778\ud558\uae30<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8216;\ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8&#8217;, \uc9c1\uc811 \ud655\uc778\ud574 \ubcf4\uc168\ub098\uc694? \ubcf4\ud1b5 \ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\ub294 \uc8fc\ud0dd \uad6c\ub9e4 \uac00\uaca9 \ub610\ub294 \ub300\ucd9c \uae08\uc561\uc758 2% ~ 5% \uc0ac\uc774\uc5d0\uc11c \uacb0\uc815\ub429\ub2c8\ub2e4. \ucd5c\uc885 \uae08\uc561\uc740 \uad6c\ub9e4 \uc9c0\uc5ed, \ub300\ucd9c \uc720\ud615, \uc138\uae08, \ubcf4\ud5d8, \uadf8\ub9ac\uace0 \ubc14\uc774\uc5b4\uc758 \uc2e0\uc6a9 \uc810\uc218\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\uc9c0\ub9cc, \uacbd\uc6b0\uc5d0 \ub530\ub77c\uc11c\ub294 \uc774 \ube44\uc6a9\uc744 \ubc14\uc774\uc5b4\uac00 \uc9c1\uc811 \uc804\ubd80 \ubd80\ub2f4\ud558\uc9c0 \uc54a\uc544\ub3c4 \ub418\ub294 \ubc29\ubc95\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc624\ub298\uc740 \uc8fc\ud0dd \uad6c\ub9e4 \uc2dc \ubc1c\uc0dd\ud558\ub294 \uad6c\uccb4\uc801\uc778 \ube44\uc6a9 \ud56d\ubaa9\ub4e4\uacfc \uc9c0\ubd88 \uae08\uc561, [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":15346,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[83],"tags":[],"class_list":["post-15345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-83"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\ub294 \uc5bc\ub9c8\ub098 \ub4e4\uae4c? : 2026\ub144 \ubbf8\uad6d \ud3c9\uade0 \ube44\uc6a9 \ubc0f \uc218\uc218\ub8cc<\/title>\n<meta name=\"description\" content=\"\ud074\ub85c\uc9d5 \ube44\uc6a9, 2026\ub144\uc5d0\ub294 \uc5b4\ub5bb\uac8c \uc0b0\uc815\ub418\ub294\uc9c0 \uad81\uae08\ud558\uc9c0 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